Hit by possibly uninsured driver,, police not interested

1jim

The uninsured driver promise does mean no loss of ncd

I too, would have thought they'd be a little more keen to pursue their losses. I am done with chasing them up and doing what I perceive to be their job. But I won't be waiting forever to get my excess back ;-)

Quentin

1jim wrote: »

The uninsured driver promise does mean no loss of ncd

This sounds a good deal.

(If the driver is insured, then it would be down to you to get your excess back off him, either using any legal cover or doing it yourself)

So maybe go with the flow!

1jim

Am going with the flow, if aviva don't want to pursue the other party that's fine by me, but I would quite like my excess back first

vaio

you might get your excess & NCB back but that's a marketing exercise and you will still end up with a fault claim on your record together with the associated future premium loadings.

As you have identified car & driver then the alternative thing to do would have been to claim against the MIB uninsured driver scheme

1jim

It will be logged as an accident but not a fault claim

The MIB seemed a longer process, but also needed to report accident to insurer as per t&c of policy and for them to check if they could find insurance details

dacouch

1jim wrote: »

It will be logged as an accident but not a fault claim

The MIB seemed a longer process, but also needed to report accident to insurer as per t&c of policy and for them to check if they could find insurance details

That would be unusual as their promise is simply that your no claims bonus won't be affected with a possibility of recovering your excess.

It makes no mention of noting the claim as a non fault claim and that would mess up the accuracy of the data on the C.U.E database

1jim

Have just checked documents and you are correct, which is not what I was led to believe. So even if the uninsured driver admits liability it will still be recorded as a fault claim?

Presumably given aviva know the details of the driver and there are 3 witnesses, and the driver had admitted liability, they will chase this up to recover costs directly from the uninsured driver, on recovery would they then place this as a no fault claim? If they don't bother chasing this up would my uninsured loss cover be able to tackle this although I accept it's hard to quantify a cost to this

Quentin

Yes its a fault claim unless they get full recovery of all their outlay.
("Fault" doesn't mean "blame" in insurance language).


If the third party is uninsured but has assets hopefully Aviva will pursue him!


Equally you would need to be sure the third party has the funds to pay you if you pursue him for your uninsured losses.

1jim

Well, there's always his car as an asset, would be worth pursing it just to send it for scrap ;-)

1jim

It's really a moot point now, but are the police correct in saying that someone does not need to give you any insurance details at all unless there is an injury?